Immortality Loans: Cultivating Through Sports, Leaving the Heavens in the Dust

Chen Xuan was an ordinary office drone on Blue Star until one day he transmigrated to the cultivation world, only to end up as a high school student with a "spiritual root rating: total trash"!

He endured scorn, lived in the shadow of geniuses, and couldn't even afford tuition at an immortal academy.

Then he met a sleazy old man at the school gates:

Old man: "Want to turn your life around? Want to face-slap your enemies? Want eternal life?"

Chen Xuan: "Obviously! Who the hell wants to be the lowest of the low?"

The old man smiled mysteriously. "Easy. Sign this 'Heavenly Dao Longevity Loan' contract. Borrow 500 years of cultivation as a starting balance, with interest as low as half a month's cultivation per day! New customers get 30 days interest-free!"

Chen Xuan stared at the balance that popped up on his phone: 500 years of cultivation, available to withdraw. He was stunned. "Holy crap! You can borrow magical power?"

The old man patted him on the shoulder. "Backed by the Celestial Court, a top-tier platform! Young man, borrow as much as you can! Athletic body tempering is the future. Grind, and grind yourself to the bone!"

From then on, Chen Xuan used the Longevity Loan app in his left hand to borrow like crazy, take out loans to pay off loans, and let the interest pile up until his debt kept growing!

With his right hand, he practiced athletic cultivation and tempered his body like crazy. Muscles were king, and strength could shatter all techniques!

A theory-exam ace? A body-tempering maniac? A genius-killing machine?

This novel and its characters are entirely fictional. Any resemblance to real people or events is purely coincidental. Do not imitate.